So, most states would essentially adopt what the NAIC says, otherwise--they're not going to figure it all-- they can't claim to beat--it would be rational to do that.

因此大部分州基本上都会采纳这些建议,不然的话,各州要自己进行全盘考虑,若要推翻保协会的建议,那将是不理智的

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